With the holiday season right around the corner, many of us have already begun making our shopping lists. The average American spends over $800 each year on holiday gifts alone, according to the National Retail Federation. What's more is that 80 percent of shoppers plan on using credit cards to cover at least some of these purchases.

Unfortunately, this usually leaves shoppers slammed with high interest rates. In fact, the average credit card company charges consumers a 15-percent APR! Rates are even higher for folks with less-than-perfect credit scores. Considering that most U.S. families carry over $7,000 in credit card debt, those high interest rates add up fast.
 
Enter Reveli, a new website that's putting a fresh spin on the way we tackle holiday shopping. The site allows consumers to shop at stores they love most while making flexible payments without interest (aka interest-free). Becoming a Reveli member opens the door to nearly 50 top-tier retailers like Target, Pottery Barn, Home Depot, Saks 5th Avenue, Walmart, Amazon and more.
 
The way it works is simple: Members purchase gift cards to their favorite retailers that can be redeemed at any time in-store or online. The kicker is that you can pay them off little by little and with no monthly interest rate. 
 
In other words, Reveli allows you to buy holiday gifts in November and finish paying for them in April—all while avoiding the interest.
 
Reveli touts some other noteworthy perks. Members enjoy access to a full-service travel agency. This includes up to 20 percent off the best available rates at  tons of exclusive hotels, condos and villas. Reveli even throws in 10 percent cash back when you complete a trip booked through their agency.
 
In addition to travel benefits, members also get access to discounted movie tickets. ($5.50 tickets, anyone?) Since dinner and a movie go hand in hand, food perks are part of the deal as well. Members are treated to a monthly $25 Restaurant.com gift certificate just for being enrolled.
 
"We wanted to level the playing field for consumers," says Corey Cohen, Reveli's president and co-founder. "Not everyone has a platinum credit card or a 750 Fico score. Reveli allows its members to enjoy world-class benefits and the opportunity to avoid paying interest when they shop at their favorite retailers."
 
New members can instantly enjoy these benefits, and the best part is that there are no credit checks. Ready to knock out your holiday shopping? Click here to get started.